Hi Scooby, Any pointers you can give would be much appreciated. I want to make sure that I'm clear on where I'm going as I don't want to mess this up. What should I do first? i.e should I now write back to HFC with my intentions on the PPI? Cheers, DJ

Right Guys, need some more help. I'm struggling with the in-putting on the spreadsheet! where it says interest charged do I put it in as it says on my statement for the monthly cash withdrawel amount i.e 0.087%.:idea: Also it says Account Balance at Interest Date. Do I put in the balance before the interest was added or after? Cheers, DJ

Hi AL, Yes i've spent hours reading through various posts etc. It truly is mind boggling:o I'm trying to piece together everything to make sure I get it right. Basically I feel I now have two bullets to fire. 1. Mis-sold PPI 2. Default Notices for different amounts. I'm gonna have a crack at this over the weekend and will post back with the letter I intend forwarding. Have a good weekend and will speak to you soon, DJ

Good Afternoon All, Today in the post I received a response from HFC from the second letter (see above) I sent dated 23/01/07. I am suprised at this as BigAl had already informed me its unlikely I will get a response due to HFC already satisfying the original request. Here is a copy of what HFC have sent: Dear Mr xxxxxx Re: Account xxxxxxxxxxx Further to your lettter dated 23 January 2007, regarding your request for a true copy of the original default notice. As a member of the Executive Complaints Department, your letter has been forwarded to me to investigate and duly respond. Please accept my sincere apologies for the delay in responding to you. My I take this time to advise that as the Notice to Default letter is an automated process, I am unable to provide a certified copy, as you have requested. However, please find a copy of an 'example' copy of the Notice to Default letter and our example contains a true copy of the original wording. It is important that your issues are fully addressed. Therefore, if you have any further queries relating to this matter, or remain dissatisfied, please do not hesitate to contact me and I will arrange for your complaint to be escalated. Alternatively, you may follow the steps detailed on our internal complaint procedure. As you are aware, HFC Bank is a member of the Financial Ombudsman Service and ultimately, you have the right to refer your complaint to them as an independent adjudicator in disputes between Banks and their customers. I would also like to advise you that unless I hear from you within the next 8 weeks, I will assume the matter is resolved to your satisfaction and my files will be closed. Yours Sincerely xxxxxxxxx What I find very unusual here is that they have now provided me with two copies of the alleged Default Notice:confused: , both these copies have different payment amounts and different payment dates. Are they not just making this up as they go along? Shouldn't the two copies be the same? Any help much appreciated, BigAL if your about can you have a read through fo me mate. Cheers, DJ

Thanks guys, So just to confirm - I claim the charge and the MONTHLY rate of interest they charge on cash withdrawels, add it all up and send of the first letter? I'm gonna have a crack at the spreadsheet on the weekend so will keep you updated on my progress! Phew, my six year old could have work this out before I did! Lets hope he grows to be brighter than his dad eh! Thanks, DJ

Hi Ian, Thanks for the resonse, you replied also to my thread under HFC - Advice needed. http://www.consumeractiongroup.co.uk/forum/hfc-household/64636-hfc-advice-needed.html Basically I need a hand in drafting up a letter, I have read your case with LLoyds and am fairly confident I have a case, however my main objective is to get the default removed. Anything else is a bonus;-) Cheers, DJ

Hi Ian, Thanks for the reply. Claiming on PPI is a new door for me, I guess what I'm really after is some sort of guidance on what to put in my letter i.e some help to draft one up. My main aim here is not claiming back the PPI (although that would be nice;) ) but to get the default removed. I need to get that point built into the draft letter and use being mis-sold the PPI as my bullets! Speak soon, DJ

Do you mean I should be adding further interest i.e not just the monthly % they were charging?

Bump!

Yep, I have no problem with people from Cardiff mate, And I especially like the ones who take time out to help me reclaim my charges!!!;-) Speak soon, DJ

Thanks T4FF, Always nice to meet a fellow Welsh user! Which spreadsheet should I use as there's a few? Or is there a way I can work it out manually? Cheers, DJ

Hi, I am about to try and reclaim PPI and a default removal from HFC. Has anyone on here had any success with regards to claiming back a PPI from this excuse of a bank? Always keep smiling! DJ

Thanks, this is for a credit card so the only intrest I can add on from the start is what they were charging monthly? Is that correct? I'm not the brightest!

Thanks Tamadus, the info you have supplied here is much appreciated. So basically I need to go down the PPI road. Is there a template letter I can use or does anyone have any suggestions on how I should draft it? Thanks, DJ

I know! Someone once told me that patience is a virtue! Thanks for the response, much appreciated. DJ